Bad Habit Wealth Calculator

Burn Rate

You are not broke. You may just be spending your future in tiny pieces.

What looks like a small daily habit can quietly become a car, a home deposit, or years of freedom.

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Free version 3 free calculations per day. Customization, ad removal, and annual details are paid features.
Signed out: 3/day

Enter your habit

Currency

Free version shows age 60, 80, and 100. Custom age is a paid feature.

Investment return

These are configurable local presets and can later come from an API.

The bill is here

You may have burned through $0

If invested daily, it could be $0 today.

Lost wealth visual

Opportunity cost so far

$0

Based on the selected investment return.

Direct spend so far

$0

The direct receipts only.

Direct spend by age 80

$0

The bill if this habit continues.

Opportunity cost by age 80

$0

The compounding version of the same habit.

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Age milestones

Age Direct spend Invested value Status

Spending vs compounding

Direct spend Compounded

You may have burned through

A small roast

How is this calculated?

See annual direct spend, compounded value, and opportunity cost.

Return presets are for entertainment simulation. Real returns vary by period, currency, fees, taxes, dividends, and data source.

This tool is for simulation and entertainment only. Assumed investment returns do not represent future returns and are not investment advice.

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